Who Has Cheap Honolulu Auto Insurance Rates for Drivers with a Bad Driving Record?

The vehicle model to be insured is one of the main factors that determines whether or not you can buy the most economical auto insurance for drivers with a bad driving record. Vehicles with lots of speed or power, a lack of safety features, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models.

The list below ranks insurance premiums for a number of the most budget-friendly vehicles to buy insurance for.

Cheapest Vehicles to Insure in Honolulu, HI
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLT 2WD $2,905
Honda Accord EX 4-Dr Sedan $2,914
Honda CR-V LX 4WD $3,115
Toyota Prius $3,276
Volkswagen Jetta SE 2.5 Station Wagon $3,283
Ford Edge SE AWD $3,407
Dodge Grand Caravan CV $3,440
Toyota RAV4 4WD $3,442
Ford Explorer Eddie Bauer 4WD $3,474
Ford F-150 XL Crew Cab 2WD $3,519
Honda Odyssey EX $3,566
Toyota Corolla S $3,597
Jeep Grand Cherokee Laredo 4WD $3,603
Chevrolet Impala LT $3,609
GMC Sierra 2500HD SLE Crew Cab 4WD $3,629
Chevrolet Equinox LTZ 2WD $3,639
Chevrolet Silverado LS Crew Cab 4WD $3,629
GMC Sierra SLT Extended Cab 2WD $3,639
Ford Fusion SE 4-Dr Sedan $3,629
Toyota Tacoma Double Cab 4WD $3,638
Chevrolet Malibu LT $3,727
Honda Civic GX 4-Dr Sedan $3,752
Toyota Camry XLE $3,766
Get a Custom Quote Go

Price data assumes single female driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Hawaii minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Estimates do not factor in Honolulu, HI location which can lower or raise rates considerably.

Based on these rates, you can presume that cars like the Ford Escape, Honda Accord, Honda CR-V, Toyota Prius, and Volkswagen Jetta will definitely be the most economical vehicles to insure for bad drivers. Prices will tend to be higher because there is more exposure for drivers with a bad driving record, but in general those models will tend to have the cheapest auto insurance rates available.

For bad drivers, one of the largest things that aid in calculating the cost of insurance is where you keep your car. More densely populated places are more likely to pay higher prices, whereas areas with less congestion have the enjoyment of a little cheaper coverage.

The next table sorts the most expensive areas in Hawaii for drivers with a bad driving record to buy auto insurance in. Honolulu comes in at #8 with a yearly cost of $1,036 for the average insurance policy, which is around $86 each month.

How much does car insurance cost in Honolulu, HI?
Rank City Average Per Year
1 Hilo $1,098
2 Ewa Gentry $1,057
3 Kailua $1,052
4 Kapolei $1,047
5 Mililani Town $1,047
6 Royal Kunia $1,046
7 Makakilo $1,046
8 Honolulu $1,036
9 Mililani Mauka $1,036
10 Wahiawa $1,036
11 Nanakuli $1,036
12 Waimalu $1,036
13 Ewa Beach $1,026
14 Waipahu $1,026
15 Wailuku $1,016
16 Kaneohe $1,016
17 Waianae $1,016
18 Schofield Barracks $1,005
19 Halawa $1,005
20 Pearl City $1,005
Get a Custom Quote Go

Prices are approximated as specific Honolulu zip code can revise prices considerably.

Finding the top auto insurance company is hard considering how many companies there are to choose from in Hawaii. The ranking data below can help you choose which auto insurance companies you want to consider when trying to find cheaper insurance for drivers with a bad driving record. These ratings only include the largest auto insurers in America, so companies that may only write in Hawaii will not be included in the list.

Top Ten Auto Insurance Companies for Drivers with a Bad Driving Record in Honolulu, HI
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Rate difference between full and liability-only coverage

Saving on auto insurance is probably important to most drivers, and a good way to buy cheaper insurance for drivers with a bad driving record is to not buy comprehensive and collision coverage. The information below shows the difference between insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Hawaii. Data assumes no tickets, no at-fault accidents, $1,000 deductibles, drivers are not married, and no discounts are applied to the premium.

If all age groups are averaged, comprehensive and collision coverage on your policy costs an extra $1,118 per year more than just buying liability only. That amount may make you wonder if physical damage coverage is worth the money. There is no written rule to drop physical damage coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

For example, let’s assume your vehicle’s settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is destroyed, the most your company will settle for is $3,000 after the policy deductible has been paid. If you are paying over $300 a year to have full coverage, then it could be time to drop full coverage.

There are some scenarios where eliminating full coverage is not a good idea. If you still owe money on your vehicle, you have to keep full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.

A good deal can quickly turn bad

Honolulu auto insurance rates are calculated based on many things which can substantially decrease or increase the price you have to pay for coverage. Simply turning a year older, moving to a different location, or having a fender bender may generate price changes that can cause some rates to be more affordable than others.

Also, insurers modify pricing at least once a year to adjust for unexpected claims or profits. Significantly higher losses can result in increased rates, while lower claim levels can cause more affordable Honolulu car insurance rates.

The chart below shows a variety of companies that have the cheapest car insurance in Honolulu, HI for a 40-year-old male driver with no violations or accidents, and a decent credit rating. When quoting prices based on his current risk factors, USAA offers the cheapest car insurance rates in Honolulu at $974 a year. This is $622 less than the average premium paid by Hawaii drivers of $1,596. State Farm, GEICO, Liberty Mutual, and Progressive also make the list of the cheapest Honolulu, HI auto insurance companies.

In this next rate comparison, we will give the driver from the first rate comparison a chargeable claim, poor credit, and a blemish on his driving record. Since each auto insurer has a proprietary method for filing rates in each state, getting updated rate quotes could result in a different set of the cheapest Honolulu car insurance companies as shown below.

State Farm now has the best insurance rate in Honolulu with USAA, GEICO, Liberty Mutual, and First of Hawaii also having competitive pricing. This example demonstrates why it is critical to do a thorough rate comparison to find the most affordable insurance quotes for drivers with a bad driving record. Car insurance prices consist of many factors and can change without notice, so the most affordable company six months ago may now be priced much higher than other options.